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2022 Best Medicare Supplement Companies

Medicare Supplements work differently than most other health insurance products and comparison shopping for them is unique. Learn how to figure out which Medigap insurance company is the best choice for you! Schedule Your FREE, No Obligation Medicare Plan Consultation: 877-312-1414 https://app.bcmwi.com/schedule 🛠️ Free Resources: Welcome to Medicare Checklist: https://bcmwi.kartra.com/page/checklist Confused about your Medicare coverage options? Watch our free video at https://app.bcmwi.com/​ How to Find the Best Medicare Coverage Without Paying More Than You Need To... 🛠️ Financial Strength Ratings The major Medicare Supplement companies all have comparably strong financial ratings. It’s worth the few seconds it takes to check an insurance company’s A.M. Best rating, but among the commonly sold Medigap companies, the differences in financial strength are not large enough to help in deciding where to purchase your Medicare Supplement. If the worst happens and your Medicare Supplement company goes bankrupt, Medicare protects you, the consumer, with a guaranteed issue right to purchase a Medicare Supplement from another insurance company without having to pass health underwriting. More info: https://www.medicare.gov/supplements-... Customer Service Here’s where we get into the major difference between Medicare Supplements and other types of health insurance. Medicare Supplement companies don’t make claim decisions. Your Medicare Supplement company, by law, can’t disagree with a claim decision made by Medicare. If Medicare says your medical treatment is covered, Medicare will pay its part, and your Medicare Supplement will pay its part. And that is across the board with absolutely all Medicare Supplement companies. This means no fighting with the Medigap company over claims. When you do need customer service, all Medicare Supplement companies have big websites and big call centers that usually keep you on hold for a while. However, you can avoid those. If you purchase your Medicare Supplement through our office, we can act on your behalf for many service issues with your Medicare Supplement company. You call us, and then we wait on hold with the insurance company. That’s part of our service to our clients. State Differences Although the coverage is standardized, pricing is all over the map. Some of that reflects different state laws that govern Medicare Supplements. Some states have more guaranteed issue rights than others. Some states limit which pricing methods can be used by Medigap companies. All the different laws and regulations mean that when we compare even identical Medicare Supplement coverage, let’s say Plan N for example, different companies will be more competitively priced in different states. Often, even within the same state, Medicare Supplements will have different costs in different parts of the state. Comparison shop in your zip code for accurate premium prices. Rate Increases Medicare Supplements are highly regulated by the government. Your Medigap company can’t single you or anyone else out for a rate increase, no matter what happens with your health. In general, the more comprehensive plans, like Plan F and Plan G, have higher percentage increases every year than the less comprehensive plan, like Plan N and High Deductible Plan G. Looking at a Medicare Supplement company’s previous rate increases is of limited usefulness. There may come a time when the Medicare Supplement you purchase now will no longer be the best option for you. That’s ok. It’s pretty common. What’s the best Medicare Supplement company for you in 2022? It’s the one that offers the Medigap coverage level you want for the most competitive premium cost. That isn’t necessarily the cheapest company. Use the information provided by each insurance company regarding planned rate increases on the coverage chart to help make this decision. There is no one best Medicare Supplement company. Just like there’s no one best Medicare Supplement plan. Everyone is different and has unique Medicare coverage needs. You can do all the research and comparison shopping on your own, but you don’t have to. This is what we do for all of our clients as Medicare plan brokers. We work with multiple companies and can impartially comparison shop with you to find the plan and the company that’s the best fit for your situation. If you have Medicare Supplement questions, please feel free to give our office a call at 877-312-1414 or visit https://www.bcmwi.com We’re here to help you understand your options and find the best Medicare plan for you! #Medigap #MedicareSupplement #BestMedigap #BestMedicareSupplement #MedicareAnswers 0:00 Intro 0:47 Financial Strength Ratings 1:49 Customer Service 4:36 State Differences 6:58 Rate Increases 9:35 What’s the best Medicare Supplement company for you in 2022? 10:24 Have Questions? We Can Help!